Delta SkyMiles Gold American Express Card
Delta SkyMiles Gold American Express Card by American Express: 2x dining & restaurants, 2x flights / airfare, 2x groceries / supermarkets, 1x everything…
The Delta SkyMiles Gold American Express Card is American Express's mid-tier credit card. The $150/yr annual fee includes a welcome bonus of up to 80,000 points (offers vary) after spending $2,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
Rewards
- 2x (≈2.4% effective at 1.2¢/pt) on dining
- 2x (≈2.4% effective at 1.2¢/pt) on flights
- 2x (≈2.4% effective at 1.2¢/pt) on groceries
- 1x (≈1.2% effective at 1.2¢/pt) on everything
Statement credits ($420 total/yr)
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $120/yr ($10/mo) | Up to $10/mo back on eligible U.S. rideshare purchases with select providers ($120/yr); enrollment required. Added for Gold Card Members June 2026. |
| Delta Stays credit | $100/yr | Up to $100/yr in statement credits toward a Delta Stays prepaid hotel or vacation rental booking |
| Delta Flight Credit (after $10K calendar-year spend) | $200/yr | A $200 Delta Flight Credit toward future Delta travel after you spend $10,000 in purchases on the Card in a calendar year. Resets each calendar year; the $10,000 spend threshold must be re-hit annually to re-earn it. |
What the $150/yr fee is buying
Welcome bonus value (year one): up to $960. Annual statement credits: $420. Minus the $150 annual fee = up to $1230 in year-one net value before any spending earn. RewardsGuru rating: 4.1/5 — based on our net-value methodology.
Who it's for, who should skip
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
Frequently asked questions
What's the Delta SkyMiles Gold American Express Card welcome bonus?
Up to 80,000 points after spending $2,000 in the first 6 months (offers vary). At our ~1.2¢/pt valuation, that's up to $960 in real value.
Is the Delta SkyMiles Gold American Express Card worth the $150 annual fee?
Year-one math: welcome bonus value (up to $960) + annual credits ($420) − $150 fee = up to $1230 net before spending earn. Year-two onward, the credits alone need to clear $150 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
What statement credits does the Delta SkyMiles Gold American Express Card include?
3 recurring statement credits: Rideshare credit ($120/yr, $10/mo), Delta Stays credit ($100/yr), Delta Flight Credit (after $10K calendar-year spend) ($200/yr). Total: $420/yr.
Does the Delta SkyMiles Gold American Express Card have foreign transaction fees?
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.